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2� 1 �� 189 under�his S�cux-i.ty Instrument uniess Lend�r agrees��such release rn Wri�ng. Th�covenan�s and a��c-eements�f this Securi�r Instrumerit shall bind�e�cep�as pro�ided in Sectian 2�}and benefit the succ�ssors and assx�s of Lender. 14. Loan Chaxbes. Lender may charge Borg-ower fees for servxces perf�rmed zn connec�ion�ith Borrotivert s defauit, for the purpose of pr�tecting Lender's interest in the Proper�y and righ�s under th�is Secur�ty Instrumen�, znc�udxng, bu�nat Ixmited to, attorneys' fees,property�nspec�ion and valua�ian fees. In re�axd ta any flther fees,�he absen�e of�xpress au�hority in�his Securi�.y 7nstrument to char�e a spec�fic fee to Borrower shail nat be construed as a prohibxtxon on�h.e chax��n�of such fee. Lender may na�charge fees�hat are express�y prohib��ed by this Se�urity Instrument or by App��cable Law. If the Loan is subj ect to a Iativ�vh�ch sets max�mum�oan charg�s, and�ha��aw is fina��y xnterpre�ed so that the in�eres�or o�her laan charges collected or�o be�olXect�d�n connect�an wi�h the Loan e�ceed the per�nY.t�ed liznits, then: (a}any such�oar�charge shal�be reduced by the amount necessary to reduce the charge to the pernutted i�mi�; and�b} any sums already c�l�ected from Barro�ver u�h�.ch exceeded permitted�imits will be refunded to Borrower. Lender may choose to ma.�e this refund by reducing the princ�pal owed under the Note or by making a d�rect payment to Borro�ver. If a refund reduces principal, the reduct�an �vx�� be tr�ated as a partial prepaymen� withou� any prepaym.en�chax�e�u�hether or not a prepayment c�arge�s provided for under the No�e}. Borrower's acceptance af any su�h refund made by direc�payment to Barrower vvx�l canstztute a wa�ver af any right of a�t�an Borrourer mzaht have arising out af such o�ercharge. 15. No�ces. AII notices gi�en by Borrawer or Lender xn connect�on�vxth thY.s Security Ins�rument must be in v�ri.ting. Any natice�n Borrotiver�n cnnnectxon�rith thi.s Security Instrument shall be deemed�o have been g�ven�o Barrower when mailed hy fir�t cla�s maii or when actually deli�ered to Borrawer's nat�ce address xf sent by�ther means. Notice�o any one Borrower shall cons�itute noti�e�o all Borrowers unless App�icable Lativ expressly requxres fltherwise. The no�ice address sha1l be the Praper�y Address unless Borrower has desi�nated a substitute notice address by not�ce ta Lender. BorrQwer shall promp��y no�.fy Lender of Borrower's change of address. Yf Lender specifies a pr�cedure for report�nb Borrawer's change of address,�hen Barrower shali on�y report a change of address �hrouah that specifi�d pracedure. There may be only one desi�nated no�tice address urider�� Security�nstrument a�any one�ime. Any notic��o Lend�r sha.Il be��ven by de��ering it or by ma.�Iing i�by fxrs�c�ass mai�to Lender's address sta.�ed herein uniess Lender has deszgnated ano�her address by not�ce to�orrower. Any not�ce in connection wrth�s Securi�.y Ins�rument shal� not be deemed ta have been�ven�o Lend�r unti� ac�ually re�ei�ed by Lender. If any notice requxred by th.xs Security Instrumen� �s alsa required under Applicabie Law, �he A.ppXicab�e Law requ�remen�wi��sa��sfy�he corresponding r�quirement under�us Security Instrument. 16. �vern�.g Law; �everab�ty; Rules �f Cons�ructaon. This S�curity Instrument shali be go�erned by federa��aw and the law of the jurisd�ctzon�n v�rhich the Property�s�ocated. A�I rights and obizga�.ans con�ta.xned zn this Securx�y Ins�rument are subj ect to any requ�rements and Iimitations of Applicable La�v. Applicab�e La�might explici�ly or �mplx�Ytly allo�v the parties to agree by cantract ar it might be silent, but such sx�ence sha�� n�t be construed as a proh�bit�on against agx-eement by contract. In�he event that any prov�sxon or clause of�s Securi�.y Instrumen�or the Note conflzcts w�th Applicab�e Law, such confl�ct sha�i not affe�t other pro�xsions of thzs Secux ity Ins�rumen�or th�No�e�uh�ch can be given effect tivxthflu��he cor�fl.ictina pra�ision. . As used in this S�curi�In��rumen�: �a}�vords of the mascu�.zne gender shall mean and include correspond�n� neuter�vords or�rords of�he fem�inine gender; (b�words in the singu.l.ar sha��mean and include�he p�ural and�ice �ersa; and(c}the word"may" �ves so�e discretion w�thou�any oblxgation to take any action. 17. I3o�rr�we�-'s Copy. �3orrower shall be given one copy of�he Nate and of�s Security Instrumen�. 1S. Transfer of th�Property or a�Benef�cia� Imte�-est i�Borrower. As us�d xn th�s Section I8, T'rnterest in the Property" means any Iegal or benef cxal �nteres�in�he Propex�ty, zncluding, but na��imi�ed�o, thos�benef�ciai xnterests transferred in a]�ond for de�d, contract far deed, installment sa�es contract or escrow agr-eemen�,th.e�ntent of which is the transfer of�i�1e by Borro�w�r at a future date to a purchaser. �f aII or any part of the Property ar any Interes�in the Proper�y�s sold or transferred(or xf Borro�ver is not a natural p�rson and a bene�cial in�erest�n Borrower is soid or transferred�without Lender's pr�ar wri�ten consen�, Lender may require immedia�e payment in fu�l of al.�sums secured by�us Secur�ty Inst�ument. However,�his option sha��ot be exerc�s�d�y Lender if such exercise is prohib��ed by Applicab�e Law. NEBRASKA--Sin�fe Family--Fannie MaelFreddie iVlac UNIF�RM �NSTRUMENT- MERS �a�a��--� Fvrm 34�8 ��1 Page �l a of �5 www_c�acrrragr�,co�n